Progressive vs. Travelers: Which Car Insurance Is Cheaper?
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UPDATED: Jun 2, 2021
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- Progressive has lower rates for young drivers
- Travelers has cheaper rates for drivers between 25 and 35 years of age
- Progressive is more punitive on those with an accident on their driving record, but easier on a driver with a DUI
- Both Travelers and Progressive have modest rates for those with fair or bad credit
You have a lot of choices when it comes to auto insurance companies, and comparing them side by side will help you narrow down your options.
To see which one best suits your needs, we will look at the pros and cons of Progressive vs. Travelers car insurance companies.
Which company will provide the best and cheapest car insurance for you? We’ll compare rates, discounts, financial ratings, and customer satisfaction ratings to help you answer that question.
Keep reading to compare affordable Progressive vs. Travelers car insurance quotes, or enter your ZIP code to compare multiple companies in your area.
Is Travelers car insurance or Progressive car insurance cheaper based on age?
Generally, the more experience driving we have, the better drivers we become. This is why car insurance companies take your age into account when setting your rates.
Sometimes, insurance companies will also base your car insurance rates on your gender and/or marital status, though several states have outlawed this practice.
|Age, Gender, and Marital Status||Travelers Average Annual Rates||Progressive Average Annual Rates|
|Single 17-year-old female||$9,307||$8,690|
|Single 17-year-old male||$12,851||$9,625|
|Single 25-year-old female||$2,325||$2,698|
|Single 25-year-old male||$2,491||$2,759|
|Married 35-year-old female||$2,179||$2,297|
|Married 35-year-old male||$2,200||$2,175|
|Married 60-year-old female||$2,052||$1,991|
|Married 60-year-old male||$2,074||$2,049|
Progressive’s rates for young drivers are seven to 25% lower than Travelers’. On the other hand, car insurance rates for drivers 25 to 35 from Progressive are 11% to 16% more expensive than rates from Travelers for this age group.
For drivers over 35, Progressive’s rates and Travelers’ rates are fairly competitive.
So when it comes to affordable Travelers car insurance vs. affordable Progressive insurance, expect to pay lower rates with Progressive if you have a teen driver in your household.
Is Travelers car insurance or Progressive car insurance cheaper based on driving record?
Speeding tickets, accidents, DUIs, and other traffic violations will increase your car insurance rates no matter which company you choose.
|Driving Record||Travelers Average Annual Rates||Progressive Average Annual Rates|
|With one speeding violation||$4,261||$4,002|
|With one accident||$4,290||$4,777|
|With one DUI||$5,741||$3,970|
Your Progressive quote will likely be lower than your Travelers quote if you have a speeding ticket or DUI on your driving record.
However, your Travelers quote will likely be cheaper than Progressive if you have an accident on your driving record.
Expect your rates to increase by 24% if you get a speeding ticket while with Travelers, but with Progressive, it would rise by only 18%. Travelers penalizes drivers the same for a speeding ticket or an accident.
However, if you were to get a speeding ticket or cause an accident while with Progressive, your rates would be almost twice as much as a driver with a clean driving record.
Progressive is a better choice if you have a DUI on your driving record. If you get a DUI infraction while with Progressive, your rates will increase by only 17%.
In the same scenario, your Travelers car insurance quote would increase by 67%.
Is Travelers car insurance or Progressive car insurance cheaper based on credit score?
Just like gender and marital status, states have begun outlawing car insurance rates based on credit score.
Your credit score is a strong reflection of your consistency with paying your bills, but the reason this practice is being outlawed is that rates quoted by insurance companies assume those with higher credit scores are better drivers, which some view as discrimination.
|Credit History Summary||Travelers Average Annual Rates||Progressive Average Annual Rates|
|Good Credit (670-739)||$4,059||$3,629|
|Fair Credit Score (580-669)||$4,344||$3,956|
|Poor Credit Score (300-579)||$5,160||$4,738|
Progressive car insurance rates are cheaper than Travelers rates no matter what type of credit score you have.
Both Progressive and Travelers are fairly easy on drivers based on credit score. With other car insurance companies, expect to pay up to double in car insurance rates if you have a less-than-stellar credit score.
If you renew your six-month policy and you notice your rates have increased, it could be because your credit score dropped in the previous six months.
Use your Progressive login or Travelers login to make adjustments to your coverage levels, if needed, to reduce your rates.
You may live in a state, such as California or Michigan, where basing car insurance on credit score is illegal. Check out our car insurance by state page before judging Progressive vs. Travelers auto insurance rates based on credit score alone.
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Does Travelers or Progressive have better car insurance discounts?
Each company has its selling point, and sometimes that comes down to who has the best discount that applies to your specific situation.
|Discounts||Travelers Discounts Offered||Progressive Discounts Offered|
|On Time Payments||15||N/A|
Travelers outdoes Progressive with nine more discounts.
Both Travelers and Progressive provide a discount for when you use their driving app or driving device. You would save 30% with Travelers and 20% with Progressive by participating in their usage-based car insurance programs.
But, if you aren’t open to usage-based car insurance, you can still save 15% to 23% with Travelers if you have made on-time payments, had continuous coverage, are claim-free, or are a safe driver.
When you call the Progressive or Travelers insurance phone number, be sure to ask about options to bundle your policies to save even more. If you are a food delivery driver, consider Travelers or Progressive commercial insurance.
Does Travelers or Progressive have better car insurance mobile apps?
Most of the top 10 car insurance companies have mobile apps to access policy information and/or make payments, along with a separate mobile app that tracks your driving habits (the aforementioned usage-based car insurance).
Usually, your Progressive insurance login or Travelers insurance login will work with both the general Travelers or Progressive app and the driving app.
How do Travelers and Progressive car insurance compare in financial strength and customer satisfaction?
Reviewing ratings from three different agencies will provide you with a good picture of how a car insurance company works with its consumers, handles complaints, and manages its finances.
A.M. Best scores companies based on their ability to meet their ongoing insurance obligations, such as balancing premiums collected and claims paid. The highest score A.M. Best awards is Superior A++.
Consumer Reports collects annual data from its subscribers regarding customer satisfaction of the claims process, step by step. In its 2017 survey, 27 insurance companies were rated, and scores ranged from 86 to 96.
The National Association of Insurance Commissioners (NAIC) calculates a complaint ratio based on the total number of customers vs. the total number of complaints.
In 2017, the national average complaint ratio was one. The lower the ratio, the better.
|AM Best Rating||N/A||A+|
|NAIC Company Complaint Ratio||0.09||0.75|
|NAIC Total Complaints||2||120|
A.M. Best does not provide a financial strength rating for Travelers, but Progressive comes in exceptionally strong.
Travelers’ customers report greater satisfaction through the claims process. Travelers also has a lower complaint ratio than Progressive. This may help you choose when deciding to buy Progressive vs. Travelers car insurance.
Now that you’ve compared Progressive vs. Travelers car insurance, enter your ZIP code to see quotes from multiple car insurance companies in your area.
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